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Madison County AL Homes For Sale - USDA Rural Development Loan

02-03-12
Karen Rice - Madison, Harvest & Huntsville, AL
Karen Rice - Madison, Harvest & Huntsville, AL: Real Estate Agent in Madison, AL
  • view my blog
  • Office: (256) 319-3700
  • Mobile: (256) 348-1527

You might be suprised to find that some Madison County AL Homes For Sale, eligible for the Rural Development Loan, are not really rural (tongue twister alert) at all. There are some great Homes For Sale outside of city limits, including many in subdivisions.

If you're wondering whether the house you'd like to buy is eligible for a USDA Rural Development Loan, this web site allows you check by address: United States Department of Agriculture and Rural Development

Click on the links for details of homes, but be sure to check eligibility before making an offer to purchase.

Harvest AL 35749 Homes For Sale that may be eligible for the 100% Rural Development Loan

Madison AL 35757 Homes For Sale that maybe eligible for the 100% Rural Development Loan

Huntsville AL 35806 Homes For Sale that may be eligible for the 100% Rural Development Loan

Toney AL 35773 Homes For Sale that may be eligible for the 100% Rural Development Loan

Madison AL 100% Rural Development Loan Map

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Smile As Big As The Moon Huntsville Alabama

02-03-12
Nick T Pappas - Madison and Huntsville Alabama
Nick T Pappas - Madison and Huntsville Alabama : Real Estate Agent in Huntsville, AL
  • view my blog
  • Office: (256) 230-5933
  • Mobile: (256) 230-5933

Smile As Big As The Moon Huntsville Alabama

This movie may not have a lot to do with real estate in Alabama at first glance, but much of the space program, NASA and supporting contractors actually have impacted Huntsville Alabama real estate bringing many people here for jobs in the space industry, but that's not what this post is about. It's about an inspirational move "Smile as Big as the Moon".

Last Sunday night I watched a movie "Smile As Big As The Moon" that was in part filmed in Wilmington NC and here in Huntsville Alabama. I don't think I've ever done a movie "Review"...this is not one of those times either. I enjoyed the movie because part of it was filmed at Space Camp, the U.S. Space and Rocket Center and the Davidson Center for Space Exploration all located here in Huntsville Alabama where I've spent a lot of time.

The movie is a docudrama inspirational work about a Michigan coach and special ed teacher who takes his special ed class to space camp in 1989...based on a true story.

I wanted to let everyone know that you will have another opportunity to see this movie as it will air again on

The Hallmark Channel.

February 4, 2012 at 8:00p.m. and 10:00p.m.
February 5, 2012 from 2:00pm to 4:00p.m.
February 12, 2012 from 4:00p.m. to 6:00p.m.

Enjoy the trailer and if you get a chance to watch I think you'll enjoy it.

Nick T Pappas

If you need a knowledgeable real estate professional in Madison or Huntsville Alabama area, why don't you let me Google that for you! I also know outstanding agents in all states and Canada should you need help relocating to a new area.

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Montgomery AL Foreclosure Trends - Dec 2011

02-02-12
Sandra Nickel
Sandra Nickel: Real Estate Brokerage in Montgomery, AL
  • view my blog
  • Office: (334) 834-1500
  • Secondary: (800) HAT-LADY

There were 873 Montgomery AL foreclosure homes for sale with 1 in every 1,675 housing units receiving a foreclosure filing in December 2011. The average selling price of a Montgomery AL home was $108,647 and the average foreclosure selling price was $72,743, a $35,905 savings, according to RealtyTrac.com.

Montgomery AL Foreclosure Activity and 30 Year Interest Rate

Montgomery interest rates averaged 3.96% in December while the number of foreclosed homes dropped from 122 to 58.

montgomery al foreclosure

Foreclosure activity is based on the total number of properties that receive foreclosure filings – default notice, foreclosure auction notice or bank repossession – each month. Interest rate is based on the average 30-year fixed rate from Freddie Mac Primary Mortgage Market Survey.

Montgomery AL Foreclosure Geographical Comparison

Montgomery AL foreclosure activity was 0.10% lower than national statistics, 0.01% higher than Alabama and the same as Montgomery County statistics for the month of December.

montgomery al foreclosure

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties decreased from 51 homes in November to 20 in December. The number of Auctions dropped from 71 to 38. There is a 6-month rising trend.

montgomery al foreclosure

Are you or someone you know behind on mortgage payments and facing a Montgomery foreclosure? You do have options. A short sale may be the answer to saving you, your family and your home. I am a Certified Distressed Property Expert (CDPE) with specialized training in helping families avoid foreclosure. Give me a call for a private consultation.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

You can reach Sandra by filling out the online contact form below or give her a call anytime.

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Groundhog Day Woodstock Illinois 60098

02-02-12
Nick T Pappas - Madison and Huntsville Alabama
Nick T Pappas - Madison and Huntsville Alabama : Real Estate Agent in Huntsville, AL
  • view my blog
  • Office: (256) 230-5933
  • Mobile: (256) 230-5933

Groundhog Day Woodstock Illinois 60098

It's Goundhog Day everywhere...well except places like Sydney, Rio De Janeiro, Sao Paulo, etc. where hopefully they are not stuck in a time warp and it's actually February 3, 2012.

One of my most favorite towns on the face of this blue green planet is Woodstock Illinois where I was lucky enough to live for several years and still have a second home. So it should come as no surprise that the movie Groundhog Day starring Bill Murray and Andie MacDowell would be included as one of my favorite movies since most of the movie was filmed there. I've spent lots of time on the Woodstock Square and surrounding areas where Groundhog Day was filmed...needless to say that I have a strong connection to the movie, it's location and all the familiar film scenes.

I hope you enjoy this little clip from the movie.

Nick T Pappas

If you're moving to Illinois or Alabama give me a call as I'm a licensed Broker in both states and would be honored to help with your next home purchase.

If you need a knowledgeable real estate professional in Madison or Huntsville Alabama area, why don't you let me Google that for you! I also know outstanding agents in all states and Canada should you need help relocating to a new area.

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FIX YOUR OWN CREDIT SCORE

02-01-12
John Stikes
John Stikes: Real Estate Agent in Mobile, AL
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  • Office: (251) 216-1667
  • Mobile: (251) 232-3018
  • Secondary: (251) 401-0244

Before you can fix a credit score, you need to know what your score actually is. There are three major credit bureaus: Experian (www.experian.com), Equifax (www.equifax.com), and Transunion (www.transunion.com). Contact each bureau and request a report of you credit history. Get yourself a free report once each year and review for errors. Look for information and accounts that are not yours or are out of date. Each error must be disputed separately.

To dispute an error, first contact the creditor directly (not the credit bureau) and argue your case. If you can convince the creditor to remove that item from your credit history, get them to contact the credit bureaus and to give you a letter explaining the error. Keep all documentation (especially that letter) in case one of the credit bureaus does not remove the item or if they put it back on in a few weeks (which happens from time to time).

Of course foreclosures, deed-in-lieu-of-foreclosures, short sales, accounts paid late, accounts you owed and never paid, etc are supposed to be in your credit report. You can do your part by paying old debts or settling with the creditor (paying a smaller amount than the actual debt). If you settle, get the terms of the agreement in writing BEFORE you send them any money. Pay with a check (not a credit card or debit card) and keep the paperwork forever.

You should also make sure you are paying your monthly payments on time. Keep your balance on your credit cards at just over 25% of the limit amount. Do not max out your cards, do not pay the entire balance each month, and do not close any cards. Running a balance of just over 25% will make the most difference in improving your credit score

At any rate, you can write an explanation to any item in your credit history. You may want to explain why a certain item is there. It may be correct but there can be extenuating circumstance which you want creditors to take into consideration. The bureaus are required to send it to inquiring creditors along with your report.

SO THIS WON'T BE A PROBLEM IN THE FUTURE, SPEND LESS THAN YOU MAKE.

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